SNB Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks SNB Bank, N.A. of Shattuck, OK against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -0.45% | 1.35% | -1.80% | 3rd bottom |
| ROAE | -3.91% | 13.33% | -17.24% | 3rd bottom |
| Net Interest Margin | 3.16% | 3.93% | -0.77% | 14th bottom |
| Efficiency Ratio | 107.14% | 61.13% | +46.01% | 2nd bottom |
| PPNR / Avg Assets | -0.46% | 1.68% | -2.14% | 2nd bottom |
| Yield on Earning Assets | 5.28% | 5.67% | -0.39% | 34th below |
| Cost of Funds | 2.22% | 1.88% | +0.34% | 25th below |
| Net Interest Spread | 2.81% | 3.32% | -0.51% | 25th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 6.32% | 0.94% | +5.38% | 1st bottom |
| NPA / Total Assets | 6.38% | 0.70% | +5.68% | 1st bottom |
| NCO / Avg Loans | -0.51% | 0.16% | -0.67% | 99th top |
| ACL / Total Loans | 1.85% | 1.28% | +0.57% | 91st top |
| ACL / NPLs (Coverage) | 29.23% | 1546.33% | -1517.10% | 3rd bottom |
| Texas Ratio | 50.27% | 7.33% | +42.94% | 1st bottom |
| Provision / NCO | 100.00% | 1395.11% | -1295.11% | 40th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.80% | 12.14% | -0.34% | 62nd above |
| Equity / Assets | 11.38% | 11.36% | +0.02% | 65th above |
| TCE / Tangible Assets | 11.38% | 11.08% | +0.30% | 68th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.70% | 80.66% | +2.04% | 46th below |
| Core Deposit Ratio | 83.66% | 86.85% | -3.19% | 26th below |
| Wholesale Funding Ratio | 2.09% | 5.04% | -2.95% | 66th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -10.24% | 6.84% | -17.08% | 1st bottom |
| Loan Growth (Y/Y) | -11.80% | 7.92% | -19.72% | 2nd bottom |
| Deposit Growth (Y/Y) | -12.15% | 6.29% | -18.44% | 1st bottom |
See SNB Bank, N.A.'s peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock SNB Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full SNB Bank, N.A. profile, how to read a UBPR, or how this data updates.